We Specialize in HHL Purchases & Refinances on All Islands!

25+ Years of HHL Mortgage Experience

Mary Joe Sato
Branch Manager

Scroll Down To Read About Our Purchase and Refinance Programs!


HHL Home Purchase Lessee Program

We will walk you thru the process from Pre-Approval to Closing!

Mary Joe founded Leaf Funding to provide a better way for HHL lessees to obtain home loans. With the intent of creating the best HHL mortgage lending company, Mary Joe envisioned a world where the customer comes first. Our home loan experts provide quality mortgage services to our clients. They commit themselves to excellence, do the right thing, and show people they care. Here at Leaf Funding, we are a part of something greater than ourselves. A group of loan officers dedicated to improving our communities and changing people's lives.


For A FREE Pre-Approval Purchase Quote, Please Call (808)791-1044.


HHL Refinance Program

Refinancing your home can be overwhelming, especially when you might be unfamiliar with all of the detailed steps involved in the DHHL Home Refinance process. But investing time now to sort out your goals, can make your home refinance smoother and less stressful.

Is a Refinance Right for you?

A one on one personalized consultation with Mary Joe Sato can help you decide if a mortgage refinance is right for you. By getting Pre-Approved upfront, you will know how much your monthly savings will be.


More importantly, you will learn how much total interest you can save over the life of the loan.

Here is the loan process:

  1. Get prepared and gather important documents
  2. Choose the right refinance loan: "Streamline" to lower your payment OR "Cash-Out" your equity
  3. Complete the application
  4. Order appraisal
  5. Underwriting review
  6. Review loan approval and conditions
  7. Lock in interest rate
  8. Sign closing documents.


For A FREE Refinance Quote, Please Call (808)791-1044.


Leaf Funding is an FHA Lender, not affiliated, nor endorsed by The Department of Hawaiian Home Lands.


Leaf Funding is not affiliated with any government agencies.

Equal Housing Lender. NMLS#50726 NMLS#1631620